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roachboy - I certainly agree with your universal logic arguement, and I have no experience or knowledge of the French system and will defer to those that do.
That said, the health insurance industry works within the free market. Perhaps that is a better term than the overarching "capitalism". The free market allows consumers, whether they be corporate or individual, to chose the plan that best meets their needs and budget. The obvious flaw is the group that can't (or in some cases won't) pay the premiums necessary to offset their risk. Those people end up costing the system billions of dollars and remains one of the biggest reasons that doctors and hospitals agitate for higher prices from the insurers. The insurers, on the other hand, can demonstrate that their clients/insureds do not deserve to pay the higher prices because they are in better health and cost less to treat. They also have the benefit of group negotiations.
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